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For the professional who is always looking for wealth benefits within a salary account, the Kotak Ace Salary Account is the one for you.

Zero balance salary account subject to monthly salary credits*

Earn FD like interest in your Salary Account with ActivMoney, click here to know more

With Activ Money, earn higher rate of interest on funds lying in your account with auto Sweep-In/ Sweep-Out facility

Transfer funds online using NEFT, RTGS and IMPS for free

Unlimited value Demand Draft issuance across all branches

Avail up to 3 Non-Maintenance Charge waived Family Savings Account^

Free Office and home banking facility$

Platinum Debit Card with Rs. 50,000 ATM Withdrawal and Rs. 3,00,000 Shopping limit per day

Other Benefits

Unlimited transactions at all VISA ATMs in India on Platinum debit card
2.5% Fuel Surcharge waived at any petrol pump in India**
Complimentary Insurance Benefits on Platinum Debit Card
- Personal Accidental Death cover of up to Rs 15,00,000 (T&C Apply) Click here for Terms and Conditions
- Lost card liability Insurance of up to Rs. 3,50,000
- Air Accident Insurance of up to Rs. 50,00,000
- Purchase Protection Limit (Fire): Rs. 1,00,000
  Purchase Protection Limit (Burglary): Rs. 1,00,000
- Lost Baggage Insurance of up to Rs. 1,00,000
Instant Personal Loan offered##
PayDay Loan – Get advance up to ₹ 1.5 lakh on your salary disbursed in 3 seconds on attractive interest rate# ++ For more details Click here
Home Loans at preferential rates with zero processing fee ##
Up to 100% Car finance with preferential rates offered by Kotak Mahindra Prime Limited, a Kotak Group Company$$
PVR Kotak Credit Card offers two PVR tickets free on spends of Rs. 10,000 per month
Choose from a suite of Credit Cards to match your lifestyle ^^
Get a Free Investment Account and redeem or purchase from over 2,200 Mutual Funds online
Trinity Account which is a 3-in1 combination of a Savings account, Demat account and Trading account###
Preferred brokerage rates on trinity account from Kotak Securities on delivery buy or sell
Book Fixed Deposits and Recurring Deposits online at attractive interest rates
Unlimited payable at par cheque book@
Net Banking and Mobile Banking for convenient online banking
Customer care officers available 24 X 7, and IVRS option for self-service
Instacheck, a toll free number for instant SMS alert on account balance and last 3 credit transactions
Utility bill payment services through Auto Pay
Dedicated relationship manager and service helpdesk id
Kotak Multi Currency World Travel Card for travelling abroad without worry
Employee reimbursement account

Note: The above benefits & offers are subject to review and change from time to time.

Disclaimers

*In case salary is not credited for two consecutive months , you will be required to maintain AMB as per the product variant mentioned above failing which applicable charges will be levied.
#W.e.f. Jun 13, 2022, daily balances in Savings Account above Rs. 50 lakhs will earn 4% interest p.a. Daily balances in Savings Account up to Rs. 50 lakhs will continue to earn 3.50% interest p.a. These interest rates are applicable for Resident Accounts only.
^Family Savings Account with zero maintenance charges. Family savings account will be opened with an initial payment cheque of Rs. 10,000
$Cash** / Instrument Pick Up / Delivery (Not Valid for Ahmedabad & Kolkata) - 10 Free calls / month, thereafter Rs.150 per visit.
**Fuel Surcharge waiver on Visa Debit card is capped up to Rs. 30,000 and on Master Debit up to Rs. 20,000 worth of fuel purchases in a calendar month.
##Personal Loan and Home Loan - The interest rates are subject to change. Credit at sole discretion of Kotak Mahindra Bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets.
$$Car Loan and Car Lease disbursement will be subject to complete documentation and credit at the sole discretion of Kotak Mahindra Prime Ltd. Kotak Mahindra Prime is a subsidiary of Kotak Mahindra Bank Ltd. Car Loans available at select locations only.
^^Issuance of credit cards is at the sole discretion of Kotak Mahindra Bank Limited. All features and benefits are subject to Credit Card terms and conditions. Please read the Credit Card terms and conditions carefully provided on the bank website www.kotak.com.
###Bank account is offered by Kotak Mahindra Bank Ltd., whereas Demat and Online trading accounts are offered by Kotak Securities
+Reimbursement Account is offered as part of the Salary Account. Reimbursement Account shall be closed in case the Salary Account is closed or moved to any other scheme code.
***Terms & Conditions Apply. Credit at the sole discretion of Kotak Mahindra Bank Ltd. and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets. ₹1 per day is calculated on a minimum loan amount of ₹3000 for 365 days at interest rate of 10% p.a. This amount may vary based on customer loan amount, tenure, and interest rate. Advance on salary/Early Salary is where one can avail up to 50% of their net salary as an advance with PayDay Loan.
@Year is defined as period of 12 months from 1st January to 31st December for cheque book issuance charges

Please click here for ActivMoney terms and conditions.

Disclaimer - W.e.f. Jun 13, 2022, daily balances in Savings Account above Rs. 50 lakhs will earn 4% interest p.a. Daily balances in Savings Account up to Rs. 50 lakhs will continue to earn 3.50% interest p.a. These interest rates are applicable for Resident Accounts only.

Please note, if your account is currently in dormant status, non-maintenance charges will not be applicable to the same. In order to activate your account, please visit your nearest Kotak Bank branch .

$Year is defined as period of 12 months from 1st January to 31st December for cheque book issuance charges

Please click here for ActivMoney terms and conditions.

Terms and Conditions related to Voucher Benefit.